1. Get your credit report.
Why: Your credit report can inform you of suspicious activity that may mean identity theft. It can also have errors that are fixable, which will raise your credit score once corrected.
How: Everyone is entitled to one free credit report every twelve months from each of the three major credit bureaus: TransUnion, Equifax and Experian. You can request your credit report from Annual Credit Report.
2. Make a spending plan.
Why: Tracking your income and expenses will give you a better picture of what you have to work with and how to rearrange your finances to make the most of your money.
How: If you need help figuring out how to make a spending plan, talk to a Money Coach. They can provide worksheets and suggest expenses you may not have thought of.
3. Start saving.
Why: Whether it’s one dollar or a hundred dollars, any little bit counts. Putting away savings will help you when you have an emergency, and it can help build savings for retirement.
How: When you work on your spending plan, you can allot a certain amount of your income to go towards savings. Think of it as a bill that you pay to yourself.
If you would like accountability for your financial goals, call a Money Coach at 888-724-2326. They can help you achieve your financial goals and keep your resolutions.
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